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· Property & Casualty Adjuster

Texas Adjuster — Property & Casualty — 40-Hour Pre-Licensing

12
Sections
48
Lessons
1650+
Practice questions

What you'll learn

Every section below is aligned with the content outline.

Section 1
I. Texas Insurance Law Fundamentals
4 lessons
+
  • Texas Insurance Code Structure & TDI Authority
  • Texas Administrative Code Title 28 Overview
  • TDI Commissioner Powers & Departmental Investigations
  • Texas Insurance Code Ch. 4001 — General Producer/Adjuster Provisions
Section 2
II. Adjuster Licensing
4 lessons
+
  • Adjuster License Types & Qualifications
  • Application Process & Fingerprinting
  • License Maintenance, CE Requirements & Renewals
  • License Discipline, Suspension & Revocation
Section 3
III. Adjuster Conduct & Ethics
4 lessons
+
  • Adjuster's Role, Authority, and Fiduciary Duty
  • Texas Unfair Claim Settlement Practices Act — Tex. Ins. Code Ch. 542
  • Prohibited Conduct under Ch. 4101.151 and 28 TAC §19.602
  • Texas Deceptive Trade Practices Act and Bad-Faith Standards
Section 4
IV. Insurance Contract Fundamentals
4 lessons
+
  • Parts of an Insurance Policy
  • Insurable Interest, Indemnity, Subrogation
  • Coinsurance, Pro Rata vs Excess, Occurrence vs Claims-Made
  • Contract Interpretation — Ambiguity, Reasonable Expectations, Adhesion
Section 5
V. Claims Investigation Process
4 lessons
+
  • First Notice of Loss, Initial Contact, and Reservation of Rights
  • Scene Investigation, Documentation, Photography, and Diagramming
  • Witness Interviews, Recorded Statements, and Examination Under Oath
  • Causation, Subrogation Investigation, and Salvage
Section 6
VI. Property Insurance Concepts
4 lessons
+
  • Homeowners and Dwelling Forms — HO and DP Series
  • Commercial Property — BPP, Building Coverage, Causes of Loss, and Business Income
  • Specialty Property — Inland Marine, Flood, Earthquake, Mobile Home, Builders Risk, Equipment Breakdown
  • Valuation Methods — ACV, RCV, Functional Replacement, Stated Value, Agreed Value, Coinsurance
Section 7
VII. Casualty Insurance Concepts
4 lessons
+
  • Liability Theory — Negligence, Strict Liability, and Vicarious Liability
  • Texas Personal Auto Policy — Coverages, UM/UIM, PIP, Financial Responsibility
  • Commercial General Liability — Occurrence vs. Claims-Made, Coverages A/B/C, Exclusions, Additional Insureds
  • Umbrella & Excess, Professional Liability (E&O, D&O), and Cyber Liability
Section 8
VIII. Damages, Evaluation, and Settlement
4 lessons
+
  • Scope of Damages — Property, Bodily Injury, Special, General, and Future
  • Estimating Methods — Xactimate, Symbility, Unit-Cost, and Replacement Cost
  • Depreciation, Salvage Value, Betterment, and Code-Upgrade Coverage
  • Settlement Negotiation — Anchoring, BATNA, Structured Settlements, Releases, and the Stowers Doctrine
Section 9
IX. Fraud Detection & Reporting
4 lessons
+
  • Insurance Fraud Defined — Soft, Hard, Opportunity, and Organized
  • Fraud Red Flags by Line of Business
  • Fraud Investigation Techniques — Statements, Records, and SIU Referrals
  • Mandatory Reporting, NICB, and the Criminal Interface
Section 10
X. Texas Statutes & Regulations Cross-Reference
4 lessons
+
  • Texas Insurance Code Title 4 — Regulation of the Insurance Industry
  • Texas Insurance Code Title 5 — Protection of Consumer Interests
  • Texas Administrative Code Title 28 — Insurance Regulations Cross-Reference
  • Federal Law Interfaces Affecting Texas Adjusters
Section 11
XI. Property Adjusting Deep Dive (P&C Overlay)
4 lessons
+
  • Roof Claim Mechanics — Hail, Wind, Age-of-Roof Endorsements, ITV Math
  • Water Damage — Categories of Water, Ensuing Loss, Mold Exclusions
  • Fire Claims — Origin Investigation, Smoke Damage, Electrical vs Accidental
  • Theft and Vandalism — Proof of Ownership, Scheduled vs Unscheduled Personal Property
Section 12
XII. Casualty Claims and Litigation Management (P&C Overlay)
4 lessons
+
  • Bodily Injury Investigation — Medical Records, Recorded Statements, IME
  • Liability Assessment — Comparative Fault Under Texas Proportionate Responsibility
  • Defense Counsel Selection, Litigation Budgeting, Reserves Discipline
  • Mediation and Arbitration in Texas — When and How to Invoke

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Pass the real exam

Take the official exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Property & Casualty Adjuster licensing exam?+
This course's full-length practice exam runs 150 questions to match the paper's length. publishes the authoritative item count, time limit and pass mark in its candidate handbook; check there before you register.
Does require state-approved pre-licensing education?+
does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 1650+ practice questions across section quizzes and a full-length 150-question final exam simulator that mirrors the real Property & Casualty Adjuster exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real exam?+
The practice questions are written to mirror the real Property & Casualty Adjuster exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I retake the licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access